San Bernardino County Conforming Loan Limits 2022

The conforming loan limit for 2022 in San Bernardino County is $647,200.

***Update as of 9/7/22, some lenders are now accepting loans up to $715,000 as conforming loans in anticipation of the increase in loan limits for 2023.  Put as little as 3% down through the end of 2022 as long as your loan is under $715,000.  We expect the conforming loan limit for 2023 to be even higher than $715,000 when the limits come out in November 2022, but for now, borrowers can take advantage of the new limits up to $715,000.

  • The limit above is based on a 1-unit property.

Loans above $647,200 in San Bernardino County would be considered a jumbo loan. Big banks and credit unions tend to have the most competitive rates on jumbo loans. As a mortgage broker, we are most competitive on conforming loans.

Having said this, as a mortgage broker, we can offer jumbo loans with easier qualifying guidelines and we have the ability to close jumbo loans in as little as 15 days. Most big banks and credit unions have difficulty closing quickly, and their guidelines will certainly be tighter. (lower debt to income ratio requirements, higher reserve requirements…etc.)

If you are looking for a jumbo loan, we can either refer you to a jumbo lender with the best rates, or we would be happy to give you a hand if we are a better fit for you.

We are able to lend on 2-4 unit properties as well. Here are the conforming loan limits for multi-unit properties in San Bernardino County…

  • 2-unit property – $828,700
  • 3-unit property – $1,001,650
  • 4-unit property – $1,244,850
If you are looking for a purchase loan or a refinance in San Bernardino County we would love to work with you! You won’t find a lower rate and better service than Community First Mortgage. Check out our reviews on Yelp!

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